3Rd Party Collections information
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$11.06 - $12.59
2% of jobs
$12.59 - $14.12
7% of jobs
$14.12 - $15.65
11% of jobs
$16.08 is the 25th percentile. Wages below this are outliers.
$15.65 - $17.18
17% of jobs
The median wage is $18.26 / hr.
$17.18 - $18.71
18% of jobs
$18.71 - $20.24
16% of jobs
$20.77 is the 75th percentile. Wages above this are outliers.
$20.24 - $21.77
11% of jobs
$21.77 - $23.30
7% of jobs
$23.30 - $24.83
6% of jobs
$24.83 - $26.35
3% of jobs
$26.35 - $27.88
1% of jobs
How much do 3rd party collections jobs pay per hour?
As of Aug 21, 2026, the average hourly pay for 3rd party collections in the United States is $19.12, according to ZipRecruiter salary data. Most workers in this role earn between $16.35 and $21.15 per hour, depending on experience, location, and employer.
3rd party collections refer to the process where a company hires an external agency to collect debts on its behalf. These agencies, known as third-party collection agencies, contact individuals or businesses who owe money and attempt to recover the outstanding amounts. Their role is to negotiate payment plans, settle debts, and ensure compliance with legal guidelines. The original creditor pays the collection agency a fee or a percentage of the amount recovered for their services.
3rd Party Collections agents often encounter challenges such as handling difficult or unresponsive debtors, adhering to strict regulatory requirements, and meeting collection targets. Success in this role involves strong communication skills, emotional resilience, and a solid understanding of relevant laws like the Fair Debt Collection Practices Act (FDCPA). Many agencies provide ongoing training and support, and agents frequently collaborate with supervisors and legal teams to resolve complex cases efficiently. Building rapport and using negotiation techniques can also improve recovery rates and job satisfaction.
To thrive as a 3rd Party Collections Specialist, you need strong negotiation skills, knowledge of debt collection laws, and typically a high school diploma or equivalent. Familiarity with collections management software, CRM systems, and basic office applications is essential. Excellent communication, resilience, and problem-solving abilities make someone stand out in this role. These competencies ensure effective debt recovery, compliance with regulations, and positive client and debtor interactions.
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